Settled Debt Advice

feeling-good

Just after some advice please if anyway can give me some, although I am sure you will as you are all amazing on here.

I was in debt ever since I was 18 years old ( thanks Lloyds TSB ) at the age of 34 I had my LBM and started on a DMP with Payplan ( brilliant by the way ) January I was in a positon to do settlements with my creditors, Egg, HFC, Barclaycard and Lloyds TSB.
Cost me nearly £12,000 to clear them all, well not me, massive thank you to my husband.
the thing is Egg, Barclaycard and HFC and all sent letters thanking me for the full and final settlement of my debts, however LLoyds TSB have not ( Lloyds TSB accepted 80%) of the total debt owed to them. They have always been the worst though adding interest, charges, defaults etc. I have called them asking them for a certificate like the others have sent me saying that the debt is now satisfied but they have refused to. Call was to an Indian call centre or some far flung place, god knows where.
The thing is I know I did these full and finals through Payplan and they would have records but for my peace of mind I would like it in writing from LLoyds TSB.
As obviously I cannot get this sorted over the phone any advice as to what to do next would be of help. I know writing is the next step but any idea as to what to write ?
I am scared that in a few years they will come a knocking so to speak and be asking for the other 20% and just wanted a letter to keep for records so if they do I could keep it on file just to show them what they agreed to.
I think I have gone round the houses trying to explain this,...sorry

fermi

Can you ask PayPlan to provide a copy of whatever proof they obtained when making the settlement?

That seems a fairly reasonable request to make of PayPlan?

feeling-good

Payplan told me to get proof off my creditors myself as they do not normally supply it. Everyone I asked as sent me proof all except Lloyds TSB, and it just keeps niggling me

fermi

Well they normally might not, but as Lloyds TSB are being a pain maybe they will in this case? May be worth askign again?

Also, did you write or phone Lloyds?

Maybe put the request in writing via their complaints/customer relations teams?

http://www.lloydstsb.com/contact_us/complaints_procedure.asp

MrsTinks

When they accepted the 80% of the debt did they send you a letter of confirmation that 80% would be considered a full and final settlement? If so then keep a hold of that and proof of the payment sent to them... should they try enforcing the last 20% at a later date just wave those under their noses

GeorgeUK

If you really need to write to them for peace of mind, i would write a letter to the head office, sent recorded delivery, asking for confirmation that the account has been settled and closed in accordance with their acceptance letter dated xx/xx/xxxx and that they can cofirm that there is no further liability.